Call reports 2005
UNITED BANK OF EL PASO DEL NORTE — 2005
What UNITED BANK OF EL PASO DEL NORTE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 53,023,000 | 58,138,000 | 62,791,000 | 68,665,000 |
| Total loans | 34,254,000 | 38,328,000 | 42,553,000 | 46,891,000 |
| Allowance for loan losses | 259,000 | 259,000 | 324,000 | 348,000 |
| Securities available for sale | 10,995,000 | 11,473,000 | 11,346,000 | 11,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,895,000 | 52,179,000 | 53,521,000 | 62,207,000 |
| Interest-bearing deposits | 30,020,000 | 32,605,000 | 36,656,000 | 41,746,000 |
| Noninterest-bearing deposits | 15,875,000 | 19,574,000 | 16,865,000 | 20,461,000 |
| Equity capital | 5,545,000 | 5,785,000 | 5,760,000 | 5,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 711,000 | 1,495,000 | 2,405,000 | 3,452,000 |
| Interest expense | 124,000 | 263,000 | 463,000 | 699,000 |
| Net interest income | 587,000 | 1,232,000 | 1,942,000 | 2,753,000 |
| Noninterest income | 51,000 | 113,000 | 185,000 | 264,000 |
| Noninterest expense | 633,000 | 1,306,000 | 1,954,000 | 2,676,000 |
| Provision for loan losses | 6,000 | 6,000 | 72,000 | 95,000 |
| Pretax income | 2,000 | 36,000 | 104,000 | 249,000 |
| Income tax | 0 | 0 | 40,000 | 96,000 |
| Net income | 2,000 | 36,000 | 64,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,064,000 | 4,261,000 | 4,260,000 | 4,494,000 |
| Total capital | 4,323,000 | 4,520,000 | 4,585,000 | 4,842,000 |
| Risk-weighted assets | 33,196,000 | 36,902,000 | 40,650,000 | 44,239,000 |